The factory should pay you about 57 yuan.

Reference:

The specific social security composition ratio is:

Old-age insurance: the company pays 21% for you every month, and you pay 8% yourself;

medical insurance: the unit pays 9% for you every month, and you pay 2% plus 1 yuan for serious illness co-ordination (serious illness co-ordination mainly covers hospitalization);

unemployment insurance: the company pays 2% for you every month, and you pay 1% yourself;

industrial injury insurance: the company pays .5% for you every month, and you don't have to pay any money yourself;

maternity insurance: the company pays .8% for you every month, and you don't have to pay any money yourself;

housing accumulation fund: the company pays 8% for you every month, and you pay more than 8%

. So, the social security ratio paid by the company every month should be 21%+9%+2%+.5%+.8%+8%=41.3%

The social security ratio paid by yourself every month should be 8%. The ratio of the company's contribution to your contribution should be 413:19, which means that if you pay 19 yuan for your social security every month, the company will put 413 yuan into your social security account, and the money added to your social security account every month should be 413+19=63 yuan < P >, so the social security fee paid by the company is actually more than twice as much as yours when you can't see it.

Let's get back to the three insurances and one gold and five insurances and one gold. In fact, the three insurances and one gold mentioned in Jianghu are completely equal to the five insurances and one gold, except that the three insurances and one gold are from the insurance paid by you personally (pension+medical care+unemployment+provident fund) and the five insurances and one gold are from the insurance paid by your company (pension+medical care+unemployment+work injury+maternity+provident fund). It's just nice to say that three insurances and one gold are five insurances and one gold.

besides the company can pay social security for you, in fact, people who have no job but earn money, or those who have a company but don't pay social security can also pay social security themselves, but individuals can only pay endowment insurance+medical insurance, work-related injuries, maternity, unemployment and provident fund, and you can't pay it personally.

Let's introduce what is the base of social insurance payment.

Just now, we all know that the proportion of social insurance paid by the company every month is almost 413:19, so now another question comes out: What is the relationship between the social insurance premium paid by yourself every month and this proportion? How is the social insurance premium determined?

You may not have noticed that every province and city issues a "minimum payment base for social insurance" every year in early July. This base is determined after statistics and calculations based on the average salary+benefits+various subsidies of employees in the previous year. The minimum base announced by Nanjing in July this year is 1,189 yuan. What does this mean? It means that as long as Nanjing is a regular unit that pays social insurance for employees, The money paid for each employee every month is at least 1189×41.3%=491 yuan, and the employee has to pay at least 1189×19%+1=236 yuan every month, so that the social security fee that you and the unit should pay every month will come out.

But now there is a new problem. The wages of employees in Nanjing are very different. Some people get 1, yuan a month, while others can get 1, yuan a month. Does it mean that both those who get 1, yuan and those who get 1, yuan pay the same social security fee?

Please note that this 1189 is the lowest base, and there is the highest base above 1189. The highest base in Nanjing this year seems to be more than 8,, and I have forgotten the details. Anyway, if your salary is below 1,189 yuan per month, the company must pay 1,189× 41.3% = 491 yuan for you according to 1,189 yuan, and you have to pay at least 1,189× per month. This is the significance of 1189 as the minimum payment base of social security: even if you get 1 or 8 yuan a month, you must pay at least 1189 every month!

but if your salary is higher than 1189, for example, you get 3, yuan a month, then when your company goes to the labor bureau to pay insurance for you (your company and the social security fees you pay are deducted by the labor bureau), you should say to the labor bureau, "Yeah, we have a comrade here who gets 3, yuan a month. Please deduct the social security fee according to the standard of 3, yuan ".Then the Labor Bureau will deduct your company and your money with 3, yuan as the payment base and then pay it to your social security account. At this time, your company should pay 3,× 41.3% = 1,239 yuan for you every month, and you should pay 3,× 19%+1 = 58 yuan every month.

That is to say, if your salary is below 1189 yuan, then you will pay 1189 yuan every month; If your salary is above 1189 yuan, then you should pay according to your actual salary every month, unless your salary is higher than the maximum base. If you get 1 yuan a month and the maximum base is 8 yuan, you and your company should pay 8 yuan.

Here, we want to expose the shameless practices of some companies, which may give you thousands of wages every month. But when they go to the Labor Bureau to declare your base number, they will not report it according to your actual salary. For example, if you take 3, yuan a month, they may say that you only take 1,189 yuan when you go to the Labor Bureau, and then the Labor Bureau only deducts 1,189 × 19%+1 = 236 yuan from you every month. I'm afraid you are still very happy, because you think that the money deducted from you is less and you actually get more money. ! If so, your company is shameless! Because the company pays more than twice as much as you, the less you pay, the less they pay. If you calculate according to your actual salary of 3, yuan, they should pay you 3× 41.3% = 1,239 yuan in social security fees every month, while if you calculate according to 1,189 yuan, they only pay 1,189× 41.3% = 491 yuan for you every month! So in fact, you suffered a big loss! Regular companies will only report to the labor bureau according to your actual salary and deduct the money! Only those cheap companies will pay you according to the minimum standard no matter how high your salary is! ! Don't think that the less you deduct from your social security fee every month, the better! ! Maybe you have been shamelessly bullied by the company and you have no idea! ! !

it's very simple to determine what the company pays for you: if you deduct 3 yuan of social security every month, your base is almost 3÷19%≈1578 yuan. Please see if your salary is this amount. If your salary is obviously higher than 1578, for example, you actually get 3 or 4 yuan every month, you must have been bullied by the company. After being bullied, you can be bullied. Generally speaking, you should be sure when you sue, but it is best to find the evidence (such as salary slips) before you sue, otherwise you will not be able to get along in the company after you sue-+< P > It should be noted again that the proportion of social security is different in different places. If you are not in Nanjing, your contribution ratio is probably not 19%, but it will certainly not be too bad. For example, your base may be 2% or 22%. Therefore, although 19% is the proportion of Nanjing, students from other places can also calculate their own base based on this.

Let's introduce the specific situation of these social insurance premiums and how to use them. As mentioned earlier, social insurance = endowment insurance+medical insurance+industrial injury insurance+maternity insurance+unemployment insurance+housing provident fund.

Let's talk about endowment insurance first.

Generally, this insurance will not be enjoyed for life until retirement. If you have paid the pension insurance for less than 15 years at retirement age, the state will refund all the 8% of the pension saved in your personal account to you when you retire < P > Then you will ask, where is the 21% paid by the company? You can't expect the state to give it to you. After you retire and take away your personal money, the state will transfer all 21% of the money paid by the unit to the national pension fund. From then on, this money has nothing to do with you. You might say: Holy shit! That's my money. Why don't you give it to me?

Because that's what the state stipulates.

When returning money, only the money withheld by the individual is returned to the individual, and all the money paid by the unit for him has contributed to the country-

Let's take a look at how the pension is calculated when you retire.

The algorithm of pension is very complicated, because the state will change the payment base once a year. For example, if you are now 3 years old, Your current payment base is 3, yuan, and if the retirement age is 55 years old, you must start to pay the old-age insurance before you are 4 years old, and if you start to pay at the age of 3 now, it is 25 years to pay 55 years old, then first of all, you must enjoy the pension. Secondly, if the payment base of 3, yuan you paid after 25 years has become 6, yuan (I said if), Then when you are 55 years old, you can get a basic pension of 6×2%=12 yuan every month, which is given to you by the state. In addition, the money in your personal account has accumulated a lot in 25 years. Just average the payment base, (3+6)÷2=45. Then you should have 4,5× 8% (the proportion of individuals who have paid endowment insurance )× 25× 12 months = 18, yuan in your personal account in the past 25 years, so you can get 18, ÷ 12 = 9 yuan every month in addition to the previous 1,2 yuan, so that you can get at least 1,2+9 yuan every month from the age of 55. In this way, in addition to your own 9 yuan each year, you will get more than 1,2 yuan every month after retirement, and your pension will of course be more and more < P > So the more you pay for old-age insurance, the better, and the more you pay, the more you will enjoy after retirement. Moreover, after the national base is adjusted every year, you will get more and more money. Now it is possible to pay 1,5 yuan after 1 years. That is, no matter where you pay social security fees, when you retire, you can only go back to the place where your account is located to enjoy local retirement benefits. So, people who pay social security in places with high base but enjoy pensions in places with low retirement base will lose a lot. Why do you say that? Let me give you an example. If you worked in Nanjing when you were young, paid social security for 2 years and then retired, but if your registered permanent residence is in Heilongjiang, you must go back to Heilongjiang to enjoy the pension. If you paid in Nanjing for 2 years, the average base is 3, (I said if), and when you retired, the contribution base in Heilongjiang is only 1, (I said if), then you can only enjoy the treatment of 1, when you retire! This is a loss! In a word, if you pay social security in a rich place but go back to a poor place to enjoy social security when you retire, you will pay a lot but enjoy very little in your life! Paying 3 yuan may only enjoy 1 yuan! This is a terrible thing, but there is nothing we can do. This is the policy of the country. Therefore, please pay attention to all the students who are currently registered in places with low base such as the west but work in places with high base such as Beijing or Shanghai. You can either pay social security in the west or move your account to Beijing or Shanghai before retirement, otherwise you will be doing a business with a huge loss in life.

Then maybe you will say, if my account is in Nanjing, I will pay it in Heilongjiang for 2 years. Do you think Nanjing Labor Bureau will just let you enjoy it? ! In general, Nanjing will find a reason to directly refuse your transfer! At that time, you will be smarter than you are: you can't enjoy it in Heilongjiang and you can't enjoy it in Nanjing!

However, in some places, there are some relaxation regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a low base five years before retirement, and then continue to pay a high base in Nanjing for five years before it allows you to return to Nanjing to enjoy a pension. This policy is estimated to be different in different places. Students who plan to transfer in the future had better go to your local labor bureau to find out this problem now, so as to avoid unexpected accidents when they retire!

Let's talk about medical insurance.

The policy of this insurance country is not bad, but the important thing is that there are a lot of reimbursement for hospitalization. As I said before, the monthly medical insurance paid by the company is 9%, and the monthly medical insurance paid by you is about 2% plus 1 yuan for serious illness co-ordination. This serious illness co-ordination takes care of your hospitalization, and in that 11%, the state will pay your own 2% into your medical insurance account every month. If you pay social security according to the minimum base of 1,189 yuan per month, then 1,189× 2% = 23.78 yuan is called by the state every month. You can accumulate this money and directly swipe your card to buy medicine or go to the clinic, and the remaining 9%

will be put into the medical pooling fund

According to the regulations of Nanjing, if you pay medical insurance from January 27, you can swipe your card to buy medicine or go to the clinic from February 27, and your hospitalization expenses will be reimbursed from July 27, which is quite complicated. Let's take it as an example:

If you were hospitalized on August 1st, 27, and you lived in the best tertiary hospital in Nanjing, all the medicines you used during your hospitalization were within the scope of medical insurance, and the expenses such as surgery and hospitalization cost 5, yuan, then the medical insurance center will deduct 1, yuan at the time of reimbursement, which is the starting price, and the remaining 4, yuan can be reimbursed by 4,× 86. You only need to pay 4,× 14% = 56 yuan, plus the previous starting price in 1 yuan, you only need to pay 1,56 yuan after spending 5, yuan, and this 1,56 yuan can also be deducted from your medical insurance card (if you don't use that card very much at ordinary times), so in fact, you don't need much money for hospitalization. < P > Medical insurance is much more important to us young people than old-age insurance, after all, seeing a doctor and being hospitalized. This is also the most important significance of participating in social insurance. However, Nanjing stipulates that medical insurance must be paid for 25 years before you can enjoy it for life after retirement, so if you retire at the age of 55, you must start paying medical insurance at the latest at the age of 3

Let's talk about work-related injury insurance

This insurance is generally not used in practice, and I don't have much contact with it. What needs to be reminded is that if something happens to you at work or when you commute, This insurance will come in handy

But in practice, many people don't pay attention to the preservation of evidence, which makes them unable to enjoy work-related injury insurance. This is a pity. If you are hit by a car when you get off work, you should call the police as soon as possible and let the police investigate the records and take photos to collect evidence. After the police handle it, they will give you an accident.